Ruth Emery
Ruth is an award-winning financial journalist with more than 15 years' experience of working on national newspapers, websites and specialist magazines.
She is passionate about helping people feel more confident about their finances. She was previously editor of Times Money Mentor, and prior to that was deputy Money editor at The Sunday Times.
A multi-award winning journalist, Ruth started her career on a pensions magazine at the FT Group, and has also worked at Money Observer and Money Advice Service.
Outside of work, she is a mum to two young children, while also serving as a magistrate and an NHS volunteer.
Latest articles by Ruth Emery
-
Torsten Bell becomes new pensions minister following Tulip Siddiq resignation
The MP for Swansea West and former boss of the Resolution Foundation replaces Emma Reynolds as pensions minister, as she takes over from Tulip Siddiq as economic secretary to the Treasury
By Ruth Emery Published
-
More than £53 billion held in fixed-rate cash ISAs will mature by April - where should savers move their money?
If your fixed-rate cash ISA is maturing soon, we look at the options available to you
By Ruth Emery Published
-
Teachers’ Pensions: will legal action be taken over the transfer value delays?
Teachers are facing long delays in obtaining pension transfer values needed for divorce proceedings. Is a law firm about to submit a group claim, and what else can pension savers do in this situation?
By Ruth Emery Published
-
How much should I pay into a pension?
One of the trickiest parts of retirement planning is working out how much to pay into a pension. We explore what to consider when deciding how much to contribute
By Ruth Emery Published
-
Ovo Energy, British Gas, EDF: which are the best and worst energy suppliers?
Which energy firms are the best and worst for customer service? Citizens Advice has ranked 16 suppliers - which one has been crowned the best and which one is the worst?
By Ruth Emery Last updated
-
10 benefits and perks you might be able to get when you retire
The Winter Fuel Payment has been scrapped for millions of pensioners, but you may be eligible for other benefits in retirement. We outline 10 pensioner perks – from council tax reductions to a free TV licence and prescriptions
By Ruth Emery Last updated
-
Star Wars Lego, Barbie and My Little Pony - the vintage toys worth £1000s
It's time to check the attic and dust off that old Barbie doll or the Star Wars Lego - they could fetch you thousands.
By Ruth Emery Published
-
Chancellor opens 100th banking hub - is there one near you?
Chancellor Rachel Reeves and Treasury minister Tulip Siddiq have opened the 100th banking hub in Darwen, Lancashire, in response to bank branch closures in the town
By Ruth Emery Published
-
RICS: Housing market continues to strengthen but 2025 could be challenging
The latest survey by the Royal Institution of Chartered Surveyors reports a resilient UK housing market, but warns of headwinds next year
By Ruth Emery Published
-
Is an inflation-linked annuity or a level annuity better value?
What makes more sense as a retirement plan: an inflation-linked annuity or a level annuity?
By Ruth Emery Last updated
-
What is the pension lifetime allowance?
Analysis The lifetime allowance was scrapped by the previous government, but Labour has previously hinted that it would resurrect it. We explain how the pension lifetime allowance works - and whether it could make a comeback
By Ruth Emery Last updated
Analysis -
How to boost your pension by £33,000 by paying it an annual Christmas bonus
Contributing an extra £400 into your pension pot this festive period will give the gift of compound interest and should make your retirement feel more jolly and bright
By Ruth Emery Published
-
Mortgage warning: Surge in “ultra-long” home loans that run past state pension age even as rates are falling
One million homeowners have taken out mortgages that they will still be paying off in retirement even as rates drop. We take a close look at the figures - plus, how to make your mortgage more affordable.
By Ruth Emery Last updated
-
Halifax: Homebuying affordability improves but challenges remain
Halifax says buying a home has become slightly more affordable due to strong wage growth and easing interest rates. We reveal the most and least affordable areas
By Ruth Emery Published
-
How to keep your dividends safe from the taxman
Advice The number of people expected to pay dividend tax in 2024/25 has doubled since 2021/22. We reveal six ways to keep your dividends safe and beat the tax trap
By Ruth Emery Last updated
Advice -
NS&I cuts Premium Bond prize fund rate to 4%
NS&I will reduce the Premium Bond rate from 4.15% to 4% in January, while also cutting the rates on other savings accounts. Are Premium Bonds still worth it?
By Ruth Emery Published
-
What is the 25% pension tax-free cash - and when should you take it?
The 25% tax-free cash that savers can take from their pension pots got plenty of airtime in the run-up to the Autumn Budget, with speculation that it could be cut or axed. But, what is it and how does it work?
By Ruth Emery Published
-
50,000 power of attorney applications rejected – how to avoid common mistakes
A freedom of information request shows that thousands of lasting power of attorney (LPA) applications are rejected due to errors. We explain how to avoid mistakes and reveal tips to make the process as straightforward as possible
By Ruth Emery Published
-
What is the Mansion House speech - and why does it matter to you?
Chancellor Rachel Reeves has delivered her first Mansion House speech. We look at what was announced and how it could affect your finances
By Ruth Emery Last updated
-
Mansion House speech: Rachel Reeves to create “pension megafunds” to boost UK growth
The chancellor used her maiden Mansion House speech to unveil what she calls the "biggest pension reform in decades". How will her plans affect your retirement savings?
By Ruth Emery Last updated
-
Number of ISA millionaires jumps to 4,850
The number of ISA millionaires has surged to more than 4,000 - what does it take to hit the seven-figure sum?
By Ruth Emery Last updated
-
RICS: Property sales rise as interest rates fall and stamp duty hike looms
Estate agents are feeling bullish about the market, with house prices forecast to rise over the next three months. But difficulties continue to mount for renters
By Ruth Emery Published
-
Pensioners to pay “retirement tax” within three years, according to state pension forecasts
The state pension is set to reach £12,592 by 2027, meaning it will exceed the tax-free personal allowance. We look at the latest forecasts, and how frozen tax thresholds affect retirees
By Ruth Emery Published
-
Bank of England cuts interest rates to 4.75% – MPC meeting
Reporting from the Monetary Policy Committee November meeting. Full coverage, as it happened, from the team at MoneyWeek.
By Katie Williams Last updated